The Consumer Financial Protection Bureau (CFPB) has entered into a consent order with Springstone Financial, LLC to settle charges that the company was responsible for deceptive acts and practices in connection with indirect loans made at the point of sale for health care services. Consumers may apply for a loan in the office of a health care provider participating in the program. Staff members in the provider’s office give application materials to consumers, convey information about the program, and submit completed applications to Springstone. According to the CFPB, some staff members told consumers that the product was a no-interest loan rather than a deferred interest loan, therefore, constituting a deceptive act or practice. Even though all required disclosures were provided, the lender was still held accountable for the misleading actions of the staff members. This case highlights the need for sound third party oversight when conducting indirect consumer lending transactions.